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Death spiral or euthanasia? : the demise of generous group health insurance coverage

Pauly, Mark V.; Mitchell, Olivia S.; Zeng, Yuhui - 2004

"Employers must determine which sorts of healthcare insurance plans to offer employees and also set employee premiums for each plan provided. Depending on how they structure the premiums that employees pay across different healthcare insurance plans, plan sponsors alter the incentives to choose...